Number to fax HELOC packages to is (614) 422-7171.Our Commitment to Treating Customers Fairly:If you feel you were not properly evaluated for foreclosure prevention alternatives or inappropriately denied a foreclosure prevention alternative, or you are concerned about fraudulent servicing practices, or other actions you believe may be a violation of delinquency management or default prevention guidelines, including a violation of policy time frames, please call 1-866-209-1720. We will use best efforts to acknowledge receipt of your complaint within three business days following receipt via phone, e-mail, fax or mail and will strive to provide a resolution within 30 days. We will communicate the proposed resolution to you in writing and next steps, if applicable.

Mail packages to Chase 3415 Vision Drive, Columbus OH 43219

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Yes pretty much everyone's definition is the same, unless the daughter is a minor you would have a hard time going that way. Like Elizabeth said, the daughter as a tenant can get the relocation incentive, it's the easiest way to go. HAFA pays relocation incentives to the tenant of the property, you might just have to provide a letter stating that she's not paying them rent so it doesn't screw up your financials.

@Jimena It is FHA and my understanding is they only pay the owner, unless there is a rule you can point me to that says otherwise.

Is Fannie definition of Owner-Occupied the same for FHA? So if the daughter stayed and continued to occupy isn't that part of the owner's family. Seems like splitting hairs if the parent moves and daughter stays to occupy the property until sold.

@elizabeth -- I have a question along that same line. FHA of owner occupant, owner gets job transfer, more 4 hour drive away, daughter stays in the house for insurance purposes (not rented). $3,000 incentive denied cause "Approval to Participate, page 2 of the documents states, the customer must occupy the property in order to be approved for the relocation assistance"... it was confirmed that a family member was occupying the property". ... The hang up seems to be the definition of "Owner-Occupany Mortgagor". Can anyone point me to a rule or definition of the owner occupant?

I wonder if the negotiator is confused and trying to pay a relocation incentive, which is generally only available to owner occupants? Is she or he trying to process this as an owner occupied HAFA? I've closed a number of non-owner occupied Chase short sales, so this doesn't make sense. But I've also had a lot of problems with Chase short sales lately, dealing with negotiators who try to say XYZ is policy when no such animal exists.

Adela. Sorry to hear about the challenges and thanks for sharing your experience. I've seen short sales with non owner occupants get approved and declined. What is the reason for the decline on the short sale you are working?

I have been doing short sale for about 8 years and I have never come across where a non-primary resident was declined. I did a few for Wells Fargo with tenants which were approved. Any help is greatly appreciated.

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